In 2020, the number of mortgage sales (PSD) in the United Kingdom (UK) stood at just over one million for the year. The median loan-to-value ratio in the United Kingdom for sales made in 2020 was approximately 73.5 percent. This meant that the average mortgage covered 73.5 percent of the property sales price, leaving the home acquirer to cover the remaining 26.5 percent with their own savings.
Product sales data (PSD) is collected by the Financial Conduct Authority (FCA) and includes new sales (including remortgages); transfers, top-ups, alterations (such as mortgage switches with the same lender). It does not include data on transactions made through fund supermarkets and nominee accounts (such as those used in platforms) and, increments and renewals are generally not included according to the source. In the United Kingdom all home finance providers are required to submit the mortgage PSD.
Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2020
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Financial Conduct Authority. (June 29, 2021). Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2020 [Graph]. In Statista. Retrieved July 04, 2022, from https://www.statista.com/statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority. "Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2020." Chart. June 29, 2021. Statista. Accessed July 04, 2022. https://www.statista.com/statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority. (2021). Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2020. Statista. Statista Inc.. Accessed: July 04, 2022. https://www.statista.com/statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority. "Median Loan-to-value (Ltv) Ratio for Mortgage Sales in The United Kingdom (Uk) from 2016 to 2020." Statista, Statista Inc., 29 Jun 2021, https://www.statista.com/statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority, Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2020 Statista, https://www.statista.com/statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/ (last visited July 04, 2022)